Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$115,141Cash toward the purchase price.
Closing costs + prepaids$11,872Not just lender fees.
Before credits & paid funds$127,012The complete starting cash picture.
Estimated remaining funds due at closing
$127,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,140.53
Your down payment$115,140.53
Closing costs + prepaids$11,871.91
Total buyer cash needed$127,012.44
Remaining funds due$127,012.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,040.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$533.00
Initial HOA (3 months)$330.00
Prepaid interest, first (25 days)$743.91
Fees + prepaids$11,871.91
Your down payment is the seller’s equity. You take over the $288,859 balance, so the rest of the $404,000 price is paid at closing. A second mortgage can cover part of it. $127,012.44 is due at closing. Uses and sources reconcile at $415,871.91 each. Not a Closing Disclosure.